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UHC Preferred Dual Complete FL-D001 (HMO D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for UHC Preferred Dual Complete FL-D001 (HMO D-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on UHC Preferred Dual Complete FL-D001 (HMO D-SNP) in 2026, please refer to our full plan details page.
UHC Preferred Dual Complete FL-D001 (HMO D-SNP) is a HMO D-SNP plan offered by UnitedHealth Group, Inc. available for enrollment in 2025 to people living in Miami-Dade and Broward Counties. This plan received an overall rating of 4.5 out of 5 stars in 2026.
It's important to know that UHC Preferred Dual Complete FL-D001 (HMO D-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Important:
UHC Preferred Dual Complete FL-D001 (HMO D-SNP)is a Special Needs Type (SNP) plan. This means you can only enroll in this plan if you meet specific criteria. See our full plan details page for more information.
Key Plan Facts
Below are a few key facts and commonly-asked questions about UHC Preferred Dual Complete FL-D001 (HMO D-SNP).
Plan Costs:
The cost of a Medicare Advantage Plan is made up of four main parts.
- First, the monthly premium — the amount you pay every month.
- Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
- Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
- Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.
For UHC Preferred Dual Complete FL-D001 (HMO D-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $4.80. This is the amount you must pay every month.
This plan does not come with a Part B Premium reduction. You must continue to pay your Part B premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has a $615.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $9250.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.
Common Services:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
Sign up for UHC Preferred Dual Complete FL-D001 (HMO D-SNP)
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Drug Coverage
The UHC Preferred Dual Complete FL-D001 (HMO D-SNP) prescription drug plan features an annual drug deductible of $615. For Tier 1 preferred generic medications, there is no copay for a 1-month or 3-month supply at standard pharmacies or via standard mail order. This ensures that many common, essential medications are available to members at no cost. For other drug categories, including Tier 2 generic, Tier 3 preferred brand, Tier 4 non-preferred, and Tier 5 specialty drugs, members are responsible for a 25% coinsurance. This 25% coinsurance rate applies to standard pharmacy and standard mail order fills for 1-month or 3-month supplies depending on the drug tier. This straightforward cost-sharing structure helps you easily estimate your out-of-pocket prescription expenses.
Additional Benefits
The UHC Preferred Dual Complete FL-D001 (HMO D-SNP) plan offers robust coverage with no copays and no coinsurance for many everyday healthcare needs, including specialist visits, preventive care, dental cleanings, and routine vision and hearing services. Members also benefit from no copays and no coinsurance on home health care, durable medical equipment, and unlimited transportation to plan-approved medical locations. For more intensive care, inpatient hospital stays require a $1,910 copay per stay with no coinsurance, while emergency room visits have a $115 copay that is waived upon admission. Outpatient hospital services, physical therapies, and ambulance rides generally feature no copay but may require a coinsurance of up to 20 percent.
Inpatient Hospital See details
Inpatient hospital services under the UHC Preferred Dual Complete FL-D001 (HMO D-SNP) plan require a $1,910 copay per stay and no coinsurance, with prior authorization required. This benefit is partially covered because upgrades, non-Medicare-covered stays, and additional days for psychiatric care are not covered.
Outpatient Services See details
UHC Preferred Dual Complete FL-D001 (HMO D-SNP) covers outpatient services with no copays, featuring a 0% to 20% coinsurance for outpatient hospital, observation, and ambulatory surgical center services. Outpatient substance abuse and blood services are covered with no copays and no coinsurance, though prior authorization is required for most of these outpatient benefits.
Partial Hospitalization See details
Partial hospitalization is covered by UHC Preferred Dual Complete FL-D001 (HMO D-SNP) with no copay and no coinsurance, though prior authorization is required.
Ambulance and Transportation Services See details
UHC Preferred Dual Complete FL-D001 (HMO D-SNP) covers ground and air ambulance services with a 20% coinsurance and no copay. Transportation services are partially covered, providing unlimited one-way rides to plan-approved health-related locations with no copay or coinsurance, while transportation to any health-related location is not covered.
Emergency Services See details
UHC Preferred Dual Complete FL-D001 (HMO D-SNP) covers emergency services with a $115 copay and no coinsurance, which is waived if you are admitted to the hospital within 24 hours. Urgently needed services and worldwide emergency, urgent, and transportation services are also covered with no copays and no coinsurance.
Primary Care See details
UHC Preferred Dual Complete FL-D001 (HMO D-SNP) covers primary care with no copay and 0% to 20% coinsurance, and specialists, telehealth, and mental health services with no copay and no coinsurance. Physical, occupational, and speech therapies require no copay and a 20% coinsurance, while routine podiatry is limited to 6 visits per year with a 20% coinsurance and no copay. For chiropractic care, some services are covered, but routine and other chiropractic services are not covered.
Preventive Services See details
UHC Preferred Dual Complete FL-D001 (HMO D-SNP) covers preventive services, including annual physical exams and kidney disease education, with no copay and no coinsurance. Additional preventive services are partially covered, offering fitness benefits and in-home support at no cost, while excluding sub-services such as health education, medical nutrition therapy, and personal emergency response systems.
Hearing Services See details
Hearing services are partially covered by UHC Preferred Dual Complete FL-D001 (HMO D-SNP) with no deductible, no copay, and no coinsurance for routine exams, OTC hearing aids, and prescription hearing aids up to a $2,200 limit every two years. However, fitting and evaluation for hearing aids, as well as inner ear, outer ear, and over the ear prescription hearing aids, are not covered.
Vision Services See details
Vision Services are partially covered by UHC Preferred Dual Complete FL-D001 (HMO D-SNP) with no copay and no coinsurance, featuring one routine eye exam per year and up to $250 annually for contact lenses, upgrades, and eyeglasses (lenses and frames). Other eye exam services, eyeglass lenses, and eyeglass frames are not covered.
Dental Services See details
Dental services are partially covered under UHC Preferred Dual Complete FL-D001 (HMO D-SNP) with no copay and no coinsurance, though prior authorization is required for some services. Covered benefits include oral exams, cleanings, x-rays, fluoride, restorative services, removable prosthodontics, and oral surgery, while other diagnostic, other preventive, adjunctive general, endodontics, periodontics, maxillofacial prosthetics, implants, fixed prosthodontics, and orthodontics are not covered.
Home Infusion bundled Services See details
Home Infusion bundled Services are covered under the UHC Preferred Dual Complete FL-D001 (HMO D-SNP) plan with no copay and no coinsurance, though prior authorization is required. This benefit includes Medicare Part B chemotherapy, insulin, and other Part B drugs, all of which are provided with no copays and no coinsurance.
Dialysis Services See details
Dialysis services are covered under the UHC Preferred Dual Complete FL-D001 (HMO D-SNP) plan with no copay and no coinsurance. Prior authorization is required for these services.
Medical Equipment See details
UHC Preferred Dual Complete FL-D001 (HMO D-SNP) covers durable medical equipment (DME), prosthetics, medical supplies, and diabetic equipment with no copay and no coinsurance. Prior authorization is required for these benefits, and coverage may be limited to specified manufacturers or preferred vendors.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered under UHC Preferred Dual Complete FL-D001 (HMO D-SNP) with prior authorization, featuring no copay but coinsurance for lab services, and both a copay and 20% coinsurance for diagnostic procedures. Radiological services require no copay, with no coinsurance for diagnostic radiology and 20% coinsurance for therapeutic and outpatient X-ray services.
Home Health Services See details
UHC Preferred Dual Complete FL-D001 (HMO D-SNP) covers Home Health Services with no copay and no coinsurance. Prior authorization is required for these services.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the UHC Preferred Dual Complete FL-D001 (HMO D-SNP) plan, as key sub-services like intensive cardiac, pulmonary, and SET for PAD rehabilitation are not covered in practice. Although the category technically lists no copay and no coinsurance with prior authorization, none of the individual rehabilitation services are actually covered by the plan.
Skilled Nursing Facility (SNF) See details
Skilled Nursing Facility (SNF) care is covered by UHC Preferred Dual Complete FL-D001 (HMO D-SNP) for days 1 through 100 with no copay and no coinsurance, although prior authorization is required. This benefit does not require a prior three-day inpatient hospital stay, but additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
UHC Preferred Dual Complete FL-D001 (HMO D-SNP) partially covers other services, offering over-the-counter items and chronic illness meals with no copay and no coinsurance. Acupuncture is not covered, and prior authorization is required for the meal benefit.
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